Royal Sundaram Vs TATA AIG Car Insurance Comparison 2024

Updated On: 2023-03-30

Author : Team Policybachat

Royal Sundaram Car Insurance and TATA AIG Car Insurance are two of the most popular car insurance companies in India. Both these companies have a huge market in India and offer a wide range of car insurance plans at economical rates. Both insurance companies offer unique features and personalized facilities to cater to different sorts of customer needs. However, they are not always so far from each other in terms of price or quality.

These Car insurance companies can literally serve you more than you can ever think. The importance of car insurance in India is As per Motor Vehicles Act, 1988, it’s mandatory for all car owners to possess at least the third party car insurance. Having a best Car insurance companies protects & safeguards you & your car against various damages & risks that may result in financial losses.

Choose the best car insurance company as per your taste and budget. For buying good car insurance company you need to gain information about the top car insurance providers is the best thing to insure your car. See all the Wide range of Benefits, Coverages, Key features, and Cashless garages that well and truly deserve your attention.

Royal Sundaram Car Insurance

Royal Sundaram General Insurance Co. Limited (formerly known as Royal Sundaram Alliance Insurance Company Limited), is the first private sector general insurance company in India to be licensed in October 2000 by the Insurance Regulatory and Development Authority (IRDA) of India. The company was initially promoted as a joint venture by Sundaram Finance, one of the most respected non-banking financial institutions (NBFCs) in India and other Indian Shareholders.

Royal Sundaram has over 2000 employees, 28 million customers with 158 branches across India and its products are distributed through various channels-agents, distribution partners, affinity partners, brokers and online.

Benefits & Key Features:

  • Third Party Liability: The policy covers your financial liability for damage to their property.
  • Personal Accident Cover: Personal Accident Cover for a minimum of Rs.15 lakh. You can extend cover for passengers too.
  • Comprehensive Cover: This cover protect it against loss or damage due to theft or accident.
  • Protection from Inflation: You will not need to pay any extra premium even if there is an increase in Third party premium during the course of the policy period.
  • Vehicle Replacement Value Plus Cover: With this add-on, In case of theft or total damage of your car, you will get full reimbursement on the invoice amount, road tax amount, and registration charges.
  • Cost-Effective: Affordable Car Insurance Premiums.


  • Valet care: 24x7 emergency assistance and trusted cashless repair garages
  • Claim Process: quick and hassle-free within 5 days of issuance.
  • M-INSPECT App: A digital car inspection process at comfort of your home in just 20 minutes.
  • M-CHATRA App: here you have access to policy details, claim processes and other queries.

TATA AIG Car Insurance

Tata AIG General Insurance Company Limited is a joint venture between the Tata Group and the American International Group (AIG). Tata AIG General Insurance Company Limited celebrated 21 years of service as on 2021, since it commenced operations on January 22, 2001. The company has made a mark in the industry by launching several innovative products and services over the years.

Tata AIG General Insurance Company Limited has an Asset under Management (AUM) of approximate Rs. 14,295 Cr (as of September 30, 2020) and a workforce of about 6220 employees present in 200 branches across India.

Benefits & Key Features:

  • Third Party Liability: Damages to a third party or third party property are covered.
  • Own Damage Cover: This cover protects you from accidents, man-made disasters, and natural disasters.
  • No Claim Bonus: U to 50% discount on car insurance premiums after 5 consecutive claim-free years.
  • Personal Accident Cover: You can avail of a personal accident cover of up to Rs. 15 lakhs.


  • Self-Service Option Available: For Claim Process tracking, and modifying
  • Saving and Affordable Premiums: Save up to 75% on car insurance premiums by buying your policy online.
  • Claim Assistance: Easy quick and hassle-free claim process
  • Easy Policy Issuance: Get Policy in 3 easy steps.

Comparison of Royal Sundaram & TATA AIG Car Insurance

Distinguish Royal Sundaram Car Insurance TATA AIG Car Insurance
Claim settlement ratio 92.23 80.29
Cashless Network Garages 4600+ 5400+
Types of Policies
  • Comprehensive Car Insurance
  • Standalone Own Damage Car Insurance
  • Standalone Third Party Car Insurance
  • Third Party Car Insurance
  • Comprehensive Car Insurance
  • Personal Accident Cover
  • Full Invoice Price Cover
  • No Claim Bonus (NCB) Protector
  • Tyre Cover
  • Key Protector
  • Depreciation Waiver Cover
  • Loss of baggage Cover
  • Windshield Glass Cover
  • Spare car clause
  • Voluntary deductible cover
  • Engine protector cover
  • Life time road tax clause.
  • Depreciation reimbursement
  • Courtesy/hire car
  • Daily Allowance
  • Return to invoice
  • Repair of glass, plastic, fibre and rubber parts
  • NCB Protection cover
  • Loss of personal belongings
  • Key replacement
  • Emergency transport and hotel expenses
  • Engine secure
  • Consumables expenses
  • Tyre secure
  • Roadside assistance
Additional Coverages
  • Free roadside assistance
  • Automobile association of India membership discount
  • Voluntary deductible discount.
  • No Claim Bonus Protection
  • Emergency roadside assistance
  • Recognized automobile association membership discount
  • Anti-theft device installation discount
  • Modified/ specially designed vehicle discount.
Accessibility Online through PolicyBachat & Royal Sundaram Website. Online through PolicyBachat & TATA AIG Website.
Solvency Ratio 1.87 2.22


However, every car insurance company is different as it varies from individual to individual depending on their requirements. For some People, a car insurance company that has the highest claim settlement ratio is the best, while for others the insurance company which has a wide network of cashless garages is the best. Thus, there are a number of parameters that make an insurance company the best for everyone needs.

By comparing the car insurance quotes makes it easier to choose between the both. The PolicyBachat website is a single platform to compare different Car Insurance companies. Your car deserves the best Insurance coverage that will safeguard your vehicle from all damages and also save you from burning a hole in your pocket.

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